As the country with the planet’s second-largest economy, which continues to grow at pace, China remains very much a nation of opportunity. With a large number of employment opportunities for graduates and skilled workers, as well as scholarships and other opportunities to study widely available, huge numbers of global citizens are taking advantage of the chance to experience a different way of life and live in another part of the world.
If you are planning to live in China, you can ensure your health and medical insurance needs are covered with API WorldCare Plans.
Policies are issued by Asia-Pacific Property & Casualty Insurance Co., Ltd.
The Chinese healthcare system has undergone huge reforms since the early 2000s. Healthcare in China is delivered by a combination of both public and private sector providers, with an estimated 95% of the population having basic health insurance cover. The Chinese government continues to work on reducing the cost of public healthcare, with the aim of insurance covering 70% of costs and every resident being able to access affordable healthcare by the end of 2020. At present, residents of China are required to pay for their medical treatment upfront and then seek reimbursement of their medical costs via their insurance plan.
Some gaps remain in the public health system in China, meaning residents often end up without of pocket costs for emergency transportation, while paying into your own basic public health insurance package doesn’t necessarily provide cover for non-working family members.
Cover these gaps yourself and ensure more of your overall medical costs are covered with private medical and health insurance from API WorldCare Plan.
If you are planning to live in China, you have a number of healthcare options available to you. If you are moving into China to work or study, you will be able to pay into a basic public health insurance plan. As an employee, your employer will also make a contribution on your behalf. Having this level of insurance will enable you to access public healthcare in China.
Another option you should explore is to take out your own private health and medical insurance. Private healthcare facilities in China have a reputation for being of the highest quality, with some private hospitals even being described as “spa-like”. Public sector healthcare is not delivered via private facilities anywhere in China, so the only means of accessing this is to have an international health insurance plan to ensure you can cover the increased costs.
Our API WorldCare Essential Plan, which will cover you for any in-patient and day-patient care you require while living in China, and will enable you to access private healthcare facilities that you wouldn’t be able to on a basic public health insurance plan.
With only up to 70% of your costs covered and gaps remaining in Chinese public healthcare, can you afford for you and your family not to be covered?
Join one of our API WorldCare medical and health insurance packages to ensure you’re covered when living in China.
*Policies are issued by Asia-Pacific Property & Casualty Insurance Co., Ltd.
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